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    <h3 id="header">APCT用户许可协议</h3>
    <h3 id="title">Dear:</h3>
    <p>&nbsp;&nbsp;Pesoflash respects every customers’ right to privacy. This policy summarizes what personal information we may collect, how we may use it, and other important topics relating to your privacy and data protection.</p>
    <p>&nbsp;&nbsp;It's Pesoflash policy to comply with all applicable privacy and data protection laws. This commitment reflects the value we place on earning and keeping the trust of customers, business partners and others who share their personal information with us.</p>
    <p>&nbsp;&nbsp;This Policy applies to all Internet sites and mobile applications operated by or on behalf of Pesoflash and includes other entities worldwide affiliated with Pesoflash. It also applies to personal information Pesoflash may otherwise collect:</p>
    <span>(i)	Through our products and services; </span>
    <span>(ii)	When you interact with us by means other than a Pesoflash Internet Site or App, i.e. in person, by telephone, or via other means of telecommunications; </span>
    <span>(iii)	From Pesoflash’s employees, collectors, third party investigators, and other business partners (collectively “Business Partners”).</span>
    <br>

    <h3 class="subtitle">1. Pesoflash Privacy Policy</h3>
    <p>Pesoflash is a mobile application software (“App”) available on the Google Play Store (“App”) which you can downloaded onto your mobile phone, cellphone or handheld device (Device).</p>
    <p>To the extent required by applicable law, whenever Pesoflash collects personal information, Pesoflash will:</p>
    <span>(i)	Provide timely and appropriate notice to all customers about our data practices;</span>
    <span>(ii)	Collect customers’s personal information only for specified and legitimate purposes. The information we collect will be relevant, adequate and not excessive for the purposes for which it is collected;</span>
    <span>(iii)	Process personal information in a manner consistent with the purposes for which it was originally collected or to which you have subsequently consented;</span>
    <span>(iv)	Take commercially reasonable steps to ensure that our customer’s personal information is reliable for its intended use, accurate, complete, and, where necessary, kept up-to-date;</span>
    <span>(v)	Not use customer’s personal information for direct marketing purposes without giving you an opportunity to “opt-out”; </span>
    <span>(vi)	Take appropriate measures, by contract or otherwise, to provide adequate protection for personal information that is disclosed to a third party or transferred to another country, including transfers within Pesoflash.</span>

    <p>This Policy constitutes as an inseparable part of Pesoflash Credit Agreement.</p>
    <br>

    <h3 class="subtitle">2. Personal Information Pesoflash Collects</h3>
    <p>Pesoflash collects some kinds of personal information as follow:</p>
    <p>Pesoflash collects personal information which may include:</p>
    <span>(i)	Contact information, such as name, phone number,address(current address included),company name, job title, and e-mail address etc;</span>
    <span>(ii)	Additional information about you to help Pesoflash get to know you better, such as your gender, age, date of birth, nationality, professional associations and registration numbers, purpose about how you use our products, and demographic information etc; </span>
    <span>(iii)	Comments, questions, requests and orders you may make; </span>
    <span>(iv)	Financial information needed to process loans and payments, such as credit card or account information or other banking information;</span>
    <span>(v)	Log-in information, including, if applicable, social media account information for login purposes; </span>
    <span>(vi)	Information about your preferences, such as your preferred methods of communication and product types in which you are interested; </span>
    <span>(vii)	Phone contacts in your device needed for collection purposes, if in case the information provided in the credit agreement is false, invalid or otherwise not responsive to our collection attempts.</span>
    <p>It is understood that when you have submitted your information to Pesoflash, you are expressly consenting to the collection and processing of such information for whichever purpose it may serve under Pesoflash Privacy Policy.</p>
    <p>Information Automatically Gathered from Your Device:</p>
    <span>(i)	Device information. Pesoflash may collect technical information about your device, such as IP address, device type, operating system, browser type,and device identifier. Pesoflash collects this information automatically from your device and web browser through cookies and similar technologies subject to your consent.</span>
    <span>(ii)	Information about how you interact with us. Pesoflash may collect technical data about your usage of the Pesoflash App and how you interact with our digital advertisements and promotions. Pesoflash collects this information using cookies and similar technologies subject to your consent.</span>
    <span>(iii)	Location information. Pesoflash may collect customer’s location information, including precise real-time location information from your device and imprecise location information derived from, for example, your IP address. Pesoflash Apps will NOT access precise-real time location information from your device unless you grant permission to do so. Pesoflash’s access to location is for the protection of Pesoflash as our services are only rendered for those who are located in the Philippines. Pesoflash’s location access is limited for the purpose of granting the loan application and other allied services, if applicable.</span>
    <p>Information from Business Partners and other Third Parties:</p>
    <span>(i)	Pesoflash may collect personal information through our Business Partners. This information may include contact information, such as name, company name, job title, address, e-mail address, and phone number for verification and validation purposes.</span>
    <span>(ii)	Pesoflash may also obtain personal information from other third-party sources, including publicly and commercially available sources. We may combine the information we receive from our Business Partners and other third-party sources with information that we collect from you or your device, as described above.</span>
    <br>

    <h3 class="subtitle">3. Pesoflash’s Usage of Personal Information</h3>
    <p>Pesoflash may use your personal information too,to develop and manage our relationships with you and our Business Partners. These may include: </p>
    <span>(i)	Delivering services or carrying out transactions that you or our business Partners have requested; </span>
    <span>(ii)	Providing information about Pesoflash products, services, and transactions, and advertisements, that may be of interest to you; </span>
    <span>(iii)	Providing you and our Business Partners a more consistent experience in interacting with Pesoflash, including by learning more about you and how you use and interact with Pesoflash Internet Sites, Apps, products, and the other services; </span>
    <span>(iv)	Planning, managing, and performing under our contractual relationships with our Business Partners.</span>
    <p>Communicate with you. This may include: </p>
    <span>(i)	Informing you of Pesoflash products, services, and promotional activities that may be of interest to you; </span>
    <span>(ii)	Providing information about relevant Pesoflash products, services, and transactions, including, for example, pricing, information about product or service improvements; </span>
    <span>(iii)	Responding to questions or inquiries that you make, including customer service requests etc; </span>
    <span>(iv)	Inviting you to participate in, or informing you of the results of, customer satisfaction or market research surveys.</span>
    <p>Provide and improve our Internet Sites, Apps, products, and services. This may include:</p>
    <span>(i)	Customizing them to your preferences or interests, making them more compatible with your technology, or otherwise making them easier to use; </span>
    <span>(ii)	Maintaining the security of and otherwise protecting them; </span>
    <span>(iii)	Developing new Pesoflash Internet Sites, Apps, products and services.
    </span>
    <p>Address legal issues. This may include: </p>
    <span>(i)	Complying with our obligations to retain certain business records for minimum retention periods; </span>
    <span>(ii)	Establishing, exercising, or defending legal claims; </span>
    <span>(iii)	Complying with laws, regulations, court orders, or other legal process; </span>
    <span>(iv)	Detecting, preventing, and responding to fraud, intellectual property infringement, violation of our contracts or agreements, violations of law, or other misuse of Pesoflash Internet Sites, Apps, products or services; </span>
    <span>(v)	Protecting Pesoflash’s rights or property, or yours or others’ health, safety, welfare, rights, or property.</span>
    <p>Pesoflash may also use your personal information for other uses consistent with the context in which the information was collected or with your consent.</p>
    <p>Pesoflash may anonymize or aggregate any of the information we collected and use it for any other purpose, including for research and product-development purposes. Such information will not identify you individually.</p>
    <br>

    <h3 class="subtitle">4. Sharing of Personal Information</h3>
    <p>Pesoflash will not disclose your personal information except as described here:</p>

    <p>Pesoflash may share your personal information with third parties we hire to perform support services for us such as but not limited to collection services, background investigation, skip tracing among others. These third parties are required to use the personal information we share with them only to perform services on our behalf and to treat your personal information in compliance with all applicable privacy and data protection laws.</p>
    <p>In some cases, Pesoflash may share your personal information with third parties who partner with us to provide products and services to our customers. If so, we will require our Business Partners to use that information in a manner consistent with this Policy, any applicable Specific Privacy Statements, and all applicable privacy and data protection laws.</p>
    <p>Pesoflash may share your personal information with third parties when we have a good faith belief that disclosure is necessary</p>
    <span>(i)	To comply with a law, regulation, court order, or other legal process; </span>
    <span>(ii)	To detect, prevent, and respond to fraud, intellectual property infringement, violation of our contracts or agreements, violation of law, or other misuse of Pesoflash Internet Sites, Apps, products or services; </span>
    <span>(iii)	To protect Pesoflash rights or property or yours or others’ health, safety, welfare, rights, or property; </span>
    <span>(iv)	Under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.</span>
    <p>Pesoflash may share your personal information with third parties in connection with the sale, purchase, merger, reorganization, liquidation or dissolution of Pesoflash or a Pesoflash business unit, or under similar circumstances. If such an event occurs, we will take appropriate steps to protect your personal information.</p>
    <p>Pesoflash may share your information with your permission or at your request.</p>
    <p>Pesoflash may share anonymized or aggregated information internally and with third parties for any purpose. Such information will not identify you individually.</p>
    <br>

    <h3 class="subtitle">5. Security Safeguards</h3>
    <p>Your personal information will generally be stored in Pesoflash databases maintained by our service providers. Many of these databases are stored on servers located in the Philippines. Pesoflash takes appropriate measures, by contract or otherwise, to provide adequate protection for personal information that is disclosed to a third party or transferred to another country, including transfers within Pesoflash.</p>
    <p>Pesoflash maintains reasonable safeguards to protect the confidentiality, security and integrity of your personal information. Although we use security measures to help protect your personal information against unauthorized disclosure, misuse, or alteration, as is the case with all computer networks linked to the Internet, we cannot guarantee the security of information provided over the Internet and will not be responsible for breaches of security beyond our reasonable control.</p>
    <p>Pesoflash shall not be held accountable or legally liable for any data breach, misuse, disclosure or unlawful sharing due to the fault of its users’ failure to protect and secure their username and password or some other form of negligence.</p>
    <br>

    <h3 class="subtitle">6.Revision of Privacy Policy</h3>
    <p>Changes to this Privacy Policy will be posted on the Pesoflash website and app, along with information on any material changes. Pesoflash reserves the right to update or modify this Policy and any Specific Privacy Statements at any time and without prior notice. Any modifications will apply only to the personal information we may have collected and those we will collect after the posting.</p>
    <p>This Privacy Policy was last revised in September 2019.</p>
    <br>
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